Can foreign nationals take out mortgage loans in Porto?

Yes, non-residents can be issued a mortgage loan to buy property in Porto. Special terms of mortgage lending for non-residents — the loan term up to 75 years of age for the eldest borrower and a down payment of 40–50%. The mortgage rate is a floating one, of 3% for residential properties and 5% for the commercial ones.

How does the purchasing process take place when buying a house in Porto?

Before the purchase, it is necessary to hire a lawyer who would help you get the paperwork done. Having chosen the property, you need to open a local bank account and receive a tax identification number. First, a preliminary sales agreement is signed, a deposit equalling to 10–30% of the property value is placed, and the municipal taxes are paid. The deposit is non-refundable if the buyer decides not to purchase. All agreements ought to be notarised. Between signing the preliminary and main sales agreements, the lawyer completes the property Due Diligence and checks the availability of all the documents for the property. When signing the main agreement, the remaining transaction amount is paid, after which the property can be registered with the land registry office and a title deed can be obtained.

What property taxes are there in Portugal?

Property buyers pay a stamp duty (Imposto do Selo, IS) — 0,8% and a title deed transfer tax (Imposto Municipal sobre Transmissões, IMT) — 6,0 – 6,5%. After the purchase, an annual real estate tax (Imposto Municipal sobre os Imóveis, IMI) ranging from 0.3 to 0.8% across property types and municipalities, has to be paid. These three taxes — are everything that is paid by property owners. When selling real estate, non-resident owners pay the capital gain tax, chargeable from the difference between the purchase price and the sales price at a rate of 28%. The inheritance and gift taxes are not levied from spouses, children, parents and grandchildren, the other categories pay them at a rate of 10% (which is considered low).

How expensive are the utilities in Porto?

The utility costs vary across locations. For example, an average bill for an 50–60 m² house totals about € 100-130 per month.

How can a house buyer obtain Portuguese citizenship?

It is possible to apply for permanent residency after five years of residence in the country. After six years of residence it is possible to apply for citizenship. But these procedures are not interrelated. Holding a temporary residence or permanent residence permit does not lead to obtaining citizenship. Only following the rules of stay in the country (over 183 days per year for six years) can give hope for obtaining Portuguese citizenship.

Can foreign nationals lease houses in Portugal?

Yes, of course. The owner's right to administer their property is not limited in any way.

What types of Portuguese property are better to invest in for rental purposes?

The most suitable for rental purposes are the houses located in the resort areas, such as the Algarve, Faro, Lagos, on the entire southern coast and the capital of the country, Lisbon.

Why do I need to own a house in Portugal?

The Portuguese property market is one of the European real estate markets that have been growing most actively over the past few years. Therefore, real estate investments are very profitable in the country.

36 Houses for Sale in Porto, Buy Villa from 350,000€

Order by:

price low to highlow to highprice high to lowhigh to lownewest firstnew

Three-storey villa with a panoramic view and stables, Amarante, Portugal for 750,000 €

Three-storey villa with a panoramic view and stables, Amarante, Portugal

750,000 €

£650,000

Total area 318 m²Land area: 5,000 m²7 bedrooms6 bathrooms

Building for reconstruction in Porto, Portugal for 375,000 €

Building for reconstruction in Porto, Portugal

375,000 €

£325,000

3% discount on apartments

Investment apartments in The Community at 9% per annum in the heart of the Motor City area, Dubai

From 120,000 €

Completion in: 2025 Yield: 9.0% Apartments in total: 450

Residential complex

A 7 bedroom house with fantastic panoramic mountain views! for 750,000 €

A 7 bedroom house with fantastic panoramic mountain views!

750,000 €

£650,000

Total area 541 m²Land area: 5,000 m²7 bedrooms6 bathrooms

4-bedrooms detached house 450 m² in Vila Nova de Gaia, Portugal for 1,750,000 €

4-bedrooms detached house 450 m² in Vila Nova de Gaia, Portugal

1,750,000 €

£1,517,000

Total area 450 m²Land area: 1,143 m²4 bedrooms4 bathrooms

Farm with 1 hectare of land in Vilar de Pinheiro, Vila do Conde! for 4,750,000 €

Farm with 1 hectare of land in Vilar de Pinheiro, Vila do Conde!

4,750,000 €

£4,118,000

Total area 937 m²Land area: 5,188 m²10 bedrooms8 bathrooms

Manor-style 6-bedroom villa with swimming pool, 500 metres from the beach for 1,750,000 €

Manor-style 6-bedroom villa with swimming pool, 500 metres from the beach

1,750,000 €

£1,517,000

Total area 540 m²Land area: 1,540 m²6 bedrooms7 bathrooms

Discounted homes upon request

Send us an enquiry, we will find advantageous offers for you

Send a discount enquiry

Ksenia Kolesnikova,

Client manager

We find off-market properties
We organise viewings
We assist in obtaining a mortgage

Fantastic 6-bedr. house with 3 floors in Baguim do Monte! for 650,000 €

Fantastic 6-bedr. house with 3 floors in Baguim do Monte!

650,000 €

£564,000

Total area 511 m²Land area: 1 m²6 bedrooms3 bathrooms

T4 Duplex Terrace House

2,190,000 €

£1,899,000

Total area 282 m²Land area: 412 m²4 bedrooms4 bathrooms

T4 Duplex Terrace House

2,190,000 €

£1,899,000

Total area 282 m²Land area: 412 m²4 bedrooms4 bathrooms

T4 Duplex Terrace House

2,190,000 €

£1,899,000

Total area 282 m²Land area: 412 m²4 bedrooms4 bathrooms

T4 Duplex Terrace House

2,240,000 €

£1,942,000

Total area 282 m²Land area: 423 m²4 bedrooms4 bathrooms

T4 Duplex Terrace House

2,240,000 €

£1,942,000

Total area 282 m²Land area: 423 m²4 bedrooms4 bathrooms

T4 Duplex Terrace House

2,190,000 €

£1,899,000

Total area 282 m²Land area: 412 m²4 bedrooms4 bathrooms

T3 Triplex Garden House

1,950,000 €

£1,691,000

Total area 269 m²Land area: 380 m²3 bedrooms3 bathrooms

T3 Triplex Garden House

1,950,000 €

£1,691,000

Total area 269 m²Land area: 380 m²3 bedrooms3 bathrooms

T3 Triplex Garden House

1,875,000 €

£1,626,000

Total area 269 m²Land area: 380 m²3 bedrooms3 bathrooms

T3 Triplex Garden House

1,980,000 €

£1,717,000

Total area 269 m²Land area: 380 m²3 bedrooms3 bathrooms

T3 Triplex Garden House

1,935,000 €

£1,678,000

Total area 269 m²Land area: 380 m²3 bedrooms3 bathrooms

T3 Triplex Garden House

1,875,000 €

£1,626,000

Total area 269 m²Land area: 380 m²3 bedrooms3 bathrooms

T3 Triplex Garden House

1,920,000 €

£1,665,000

Total area 269 m²Land area: 380 m²3 bedrooms3 bathrooms

3-Bedroom Triplex House with Garden for 1,950,000 €

3-Bedroom Triplex House with Garden

1,950,000 €

£1,691,000

Total area 269 m²Land area: 380 m²3 bedrooms3 bathrooms

4-Bedroom Duplex House with Garden for 2,960,000 €

4-Bedroom Duplex House with Garden

2,960,000 €

£2,566,000

Total area 311 m²Land area: 690 m²4 bedrooms4 bathrooms

4-Bedroom Duplex House with Garden for 2,970,000 €

4-Bedroom Duplex House with Garden

2,970,000 €

£2,575,000

Total area 311 m²Land area: 707 m²4 bedrooms4 bathrooms

4-Bedroom Duplex House with Garden for 2,935,000 €

4-Bedroom Duplex House with Garden

2,935,000 €

£2,545,000

Total area 311 m²Land area: 680 m²4 bedrooms4 bathrooms

4-Bedroom Duplex House with Garden for 3,270,000 €

4-Bedroom Duplex House with Garden

3,270,000 €

£2,835,000

Total area 311 m²Land area: 957 m²4 bedrooms4 bathrooms

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Tranio case: buying an apartment in Madrid and obtaining Spain Golden Visa
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Tranio’s client experience: mountain chalet in the Alps for vacation and good rental income
Resort property in the French Alps is a prospective investment, both from the point of view of getting income in high season, and getting a "second home" for vacations in a sunny, comfortable Alpine climate. Alpine...
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Spanish real estate has consistently been in high demand in the past few decades.
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From renting to permanent residence: a Tranio client's story of buying an apartment in Cyprus
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What they say about Tranio

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First and foremost Tranio is a very motivated team of professionals who surely know their job! We are very pleased with their well-coordinated work, timeliness of responses to the questions posed, and willingness to act in case of unusual situations.
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Coldwell Banker
It is with much enthusiasm that I personally recommend Tranio for a professional business collaboration in the ﬁeld of real estate, marketing, acquisition, and ﬁnance. The fundamentals of our business relationship with Tranio were set in 2016. Mundial AG has received the company’s great reputation throughout a number of international business pai’tners and stockholders. Tranio has helped our company to expand its horizons to the global market and has established benchmarks that would extend Mundial AG’s networks. The company has exceptional connections to potential investors and has a proﬁcient team that is capable of forming compound ﬁnancial models that attract ﬁnanciers. The cooperation with Tranio is based on professionalism, effectiveness, and Hypovﬂemsbank scrupulousness. Our experiences with Tranio are encouraging and progressive, which makes them one of our preeminent business paitners.
Original letter

Z. Farkas, Mundial AG
We are glad to have a partnership with Tranio! It offers a vast online property base and the best services.

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Villas & houses for sale in Porto